Validity is the extent to which differences in observed scale scores reflect true differences among objects on the characteristic being measured, rather than systematic or random errors

According to the traditional three-step description of the change process, successful change requires unfreezing the status quo, changing to a new state, and refreezing the new change to make it permanent

Indicate whether the statement is true or false

All other things being equal, which of the following factors could lower a person's auto insurance rates?

A) Living in a small town B) Driving the car to work rather than for pleasure only C) Receiving a parking ticket D) having a poor credit history